Bars & Taverns
Workers' Comp Coverage for Bars and Taverns
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Workers' Compensation Class Codes Related to Bars, Taverns and Breweries
Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.
Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit
Class Code 9084
Bar and Brewery- All Employees
Businesses primarily engaged in hospitality services related to food and alcohol or alcohol only. A restaurant will generally fall under this class code when more than 50% of gross sales are derived from the sell alcoholic beverages such as beer, wine or liquor. Businesses often include bars, nightclubs, lounges, and taverns. Sports bars, restaurants and caterers may also fall under this code depending on alcohol revenue. Musicians and entertainers can often be included under this class when performing in the venue. Many other modern ventures that derive revenue from the sell of alcohol may also be contemplated under this class. Wineries generally fall under a separate class code: 2143- Winery and Drivers.
Alternative State Class Codes for Bar and Brewery:
Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.
Synonyms: bar, sports bar, restaurant with alcohol, nightclub, tavern, lounge, brew pub, brewery.
How Does Workers' Comp Work?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- Loss of income for employees unable to perform job duties
- Medical expenses for employees injured on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
- Injuries resulting from a violation of the law
- Incidents resulting from employees' use fo drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
How Much is Insurance for a Bar?
The average rate our customers pay for workers’ compensation under the bar class code is around $1.50 per $100 of payroll. The average cost for a general liability insurance policy is about $1,500.
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type of drinks sold can modify rates
- Premium discounts and policy credits may apply
- GL rates for bars are based on sales (rated per $1000)
- Gross revenue may affect pricing
- The type of establishment matters to underwriters
- Prior clams and years in business affect pricing
- SIC codes vary by industry
- Liquor liability rates are based on hours and entertainment
- Gross revenue may affect pricing
- Security and drink specials matters to underwriters
- Prior clams and years in business affect pricing
How do I get started?
Here's what we need from you
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
We go find for your best price
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options